Money Clarity

SBI Card statement PDF password

The SBI Card statement PDF password is the first four letters of your name as printed on the card in UPPERCASE, followed by your date and month of birth as DDMM. Rakesh Kumar, born 15 March: RAKU1503. Use the name exactly as it is printed on the statement and the date of birth registered with SBI Card, which is not always the one you use elsewhere.

The format

SBI Card locks the statement with the first four letters of your name as printed on the card in UPPERCASE, followed by your date and month of birth as DDMM.

Rule: first four letters of your name as printed on the card in UPPERCASE, followed by your date and month of birth as DDMM
Example: Rakesh Kumar, born 15 March: RAKU1503
Name as printed on the statement, not as you normally write it
Date of birth as registered with the bank

What is specific to SBI Card

Use the name as printed on the credit card, which is often shorter than your full legal name. SBI bank account statements downloaded from net banking use a different rule - commonly the account number - so do not assume one works for the other.

The covering email states the format for your specific statement and is authoritative
Credit card and bank account statements can use different formats at the same bank
Joint accounts normally use the primary holder’s details

If the password does not work

Formats change, and they differ between a bank account statement and a credit card statement from the same bank. Work through these before assuming you are locked out.

Check the covering email - the bank states the format in the email body, and that text is authoritative for your specific statement
Try the name exactly as printed on the statement, not as you normally write it - middle names and initials change the first four letters
Try both cases. Some banks accept either, some do not
A name shorter than four letters is usually padded or truncated differently - check the covering email
For joint accounts, it is normally the primary holder’s details
Credit card statements and bank statements from the same bank often use different formats

Once it opens

The statement is only useful if you read it for the right things. Three months of them, sorted by amount ascending, will show you more than any budgeting app.

Sort by amount ascending - forgotten recurring charges cluster at the bottom
Mark every debit that appears in all three months. That is your committed cost
Check any loan interest rate against what banks quote today
Unyfy reads these statements automatically, so you do not have to export or sort anything

Common questions

What is the password for my SBI Card statement?

The first four letters of your name as printed on the card in UPPERCASE, followed by your date and month of birth as DDMM. Rakesh Kumar, born 15 March: RAKU1503. Use the name exactly as printed on the statement.

Why is my SBI Card statement password not working?

Usually the name. A middle name or initial changes the first four letters, and the name on the statement may not match how you normally write it. Case matters. And a credit card statement can use a different format from a bank account statement at the same bank.

Is it safe to remove the password from the file?

It is technically fine, but think about where the unlocked copy then lives. It contains your account number, balance and every transaction. Do not leave it in a downloads folder or forward it over chat.

If the format above is rejected, the covering email from SBI Card states the rule for that specific file - it overrides any general guide, including this one.

Written by Danish Mirza, founder of Unyfy. 14 years in Indian lending and collections at Standard Chartered, Barclays, Ola Money and Uni Cards.
Last reviewed 2026-09-09.